FAQ

Frequently Asked Questions

2. balance could develop while you waiting

2. balance could develop while you waiting

Navient Disclosures

1. NaviRefi financing are produced by Earnest functions LLC, an associate on the Navient category of businesses, subject to specific acceptance and underwriting conditions. Ca owners best: debts generated or arranged pursuant to a California fund loan providers legislation license. Extra conditions and terms apply.

a€“ To qualify, you should be a U.S. citizen or non-citizen long lasting citizen on the U . S ., reside in circumstances we lend in, and meet our minimal eligibility standards. You will probably find more information on mortgage qualifications here: Not all applicants is accepted for a financial loan, and never all applicants will qualify for the cheapest price. Loan terms are subject to eligibility. Approval and interest rate depend on the writeup on an entire program. Mortgage acceptance try subject to verification your debt-to-income, complimentary cashflow, credit history and software suggestions meet with the minimal needs. You truly need to have the very least FICO get becoming thought about.

a€“ possible choose between fixed and variable rates. Fixed rates become 2.75per cent a€“ 6.04per cent APR (2.50per cent a€“ 5.79per cent APR with Vehicle Pay rebate). Starting adjustable rates of interest are 2.13% a€“ 5.89per cent APR (1.88per cent a€“ 5.64per cent APR with automobile Pay discount). Variable prices are based on an index, the 30-day typical guaranteed instantly funding rates (SOFR) plus a margin. Varying rate tend to be reset month-to-month in line with the fluctuation of this list. We do not at this time provide varying price financing in AK, CO, CT, Hello, IL, KY, MA, MN, MS, NH, OH, OK, SC, TN, TX, and VA.

a€“ you can easily use the 0.25per cent Vehicle cover interest rate decrease by starting and maintaining effective and automatic ACH detachment of one’s mortgage repayment. The interest rate decrease for car cover shall be available just while the loan is signed up for Vehicle Pay. Interest incentives for utilizing car cover is almost certainly not combined with particular exclusive education loan repayment training that also offer an interest rate reduction. NaviRefi speed ranges tend to be existing since and are usually subject to transform according to market conditions and borrower eligibility.

a€“ financing expense advice: These advice create quotes based on costs starting instantly upon loan disbursement. Adjustable APR: A $10,000 loan with a 20-year term (240 monthly installments of $72) and a 5.89per cent ount of $17,042. For a variable mortgage, after your starting speed is placed, your speed will likely then vary using markets. Fixed APR: A $10,000 financing with a 20-year phrase (240 monthly payments of $72) and a 6.04% ount of $17,250. The actual repayment terms can vary greatly.

a€“ the info offered about this web page is up-to-date by 06/1/2021. Earnest procedures LLC reserves the ability to change or cease (entirely or perhaps in parts) this financing regimen as well as its connected solutions and value whenever you want without notice. Search navirefi for the most up to date info. Terms and Conditions use. Call 855-284-4893 to learn more about our very own education loan refinance items.

a€“ Earnest businesses LLC a€“ NMLS #1204917, CA CFL #6054788 a€“ 535 objective St., package 1663, san francisco bay area, CA 94105. Navient assistance, LLC a€“ NMLS #212430 a€“ 123 Justison St., Wilmington, DE 19801. Explore for a full range of licensed claims.

PenFed Disclosures

Apr (APR) may be the cost of credit determining the interest rate, loan amount, repayment label while the timing of money. Fixed Rates cover anything from 2.89%-4.78per cent APR and varying costs range from 2.13%-5.25per cent APR. Both secured and changeable rate may differ predicated on software conditions, level of degree and position of a co-signer. These prices were subject to extra terms and conditions and costs become susceptible to changes anytime with no warning. For adjustable price student education loans, the speed will not ever go beyond 9.00% for 5 12 months and 8 seasons financial loans and per cent for 12 and 15 years debts (the utmost allowable with this mortgage). Minimal variable speed is going to be 2.00%. These rates were at the mercy of additional terms and conditions, and costs include susceptible to change whenever you want without notice. These changes only apply at applications taken after the successful day of changes.

5. Not many individuals have was given student loan forgiveness yet

To evaluate the costs and words your qualify for, Splash Investment conducts a gentle credit score rating pull that won’t influence your credit rating. But should you determine an item and carry on the job, the financial institution will need their complete credit history from or higher buyers reporting companies, which is considered a difficult credit score rating extract that can affect your credit.

Annual Percentage installment loans MO Rate (a€?APRa€?): This term represents the cost of funding into borrower during the life of the mortgage expressed as an annual speed.

As of education loan refinancing prices range from 1.90% APR a€“ 5.25per cent varying APR with AutoPay and 2.49percent APR a€“ 7.75per cent Fixed APR with AutoPay.

What is Telemedicine?

Telemedicine is a service which allows health care professionals to evaluate, diagnose and treat patients using telecommunications technology.

Why should I use GoLiveDoc?

GoLiveDoc offers 24/7 medical consultations with board-certified doctors. You can use our platform from where you live, work or when you travel in the US. We also offer 24/7 behavioral health counseling for no additional fee. Health records are kept private and secure in order to protect your personal information.

How does GoLiveDoc Help?

GoLiveDoc gives you 24/7 access to board-certified doctors through secure online video or phone consultations – anytime, anywhere. GoLiveDoc is a low-cost, convenient alternativ e to Urgent Care visits or waiting several days to get an appointment with your Primary Care Physician for non- emergency medical conditions. Our doctors can diagnose your symptoms, recommend treatment […]

What happens after I complete the checkout process?

Once you have selected your plan and completed the checkout process, you will receive an email with your login credentials for the customer portal. You can use the customer portal to schedule appointments, update your electronic health records, see your consultation history or add dependents to your account.

How much does GoLiveDoc Cost?

The monthly membership fee ranges from $9.95 to $39.95 (depending on the plan you choose). The consultation fee is only $35. You can cancel your membership at any time for any reason.

If I have insurance, do I still need to pay the membership fee?

GoLiveDoc charges all members a small monthly fee.

How do I cancel my membership?

You can cancel your membership at any time for any reason. To cancel your membership, please call (888) 386-1037 or send an email to [email protected]

Does a patient have to meet with a provider in-person before a telemedicine consultation can be scheduled?

No, an in-person visit is not required before a visit can be conducted via telephone or video.

What does GoLiveDoc Treat?

We treat a variety of medical conditions. Common conditions we prescribe medication for are Cold & Flu, Pink Eye, Skin Irritation/Rash, Urinary Tract Infection, Diarrhea, Stomach Virus, Fever, Headaches and Sore Throat.

Are there Medical Conditions GoLiveDoc Cannot Treat?

There are some medical conditions that our doctors are unable to treat, including but not limited to: Broken Bones, Chronic Diseases, Erectile Dysfunction, Genital Herpes, Hair Loss, Hot Flashes, Premature Ejacuation, Smoking Cessation, STD Testing.

Can I be turned down for a pre-existing condition?

No, members are not turned away because of pre-existing conditions. GoLiveDoc is not an insurance.

Can GoLiveDoc Treat Emergencies?

GoLiveDoc Is Only For Non-Emergency Medical Issues Members Should Not Use It If They Are Experiencing A Medical Emergency. Please Dial 911 If You Are Having A Medical Emergency. GoLiveDoc Is Also Not Intended To Replace A Member’s Primary Care Physician.

Is GoLiveDoc For Emergency Situations?

GoLiveDoc Is Only For Non-Emergency Medical Issues Members Should Not Use It If They Are Experiencing A Medical Emergency. Please Dial 911 If You Are Having A Medical Emergency. GoLiveDoc Is Also Not Intended To Replace A Member’s Primary Care Physician.

Can I use it for my family?

The primary member and 7 immediate family members or household members will have access to consults. 

Do I talk to “real doctors”?

Yes. Members only talk to actual doctors who are state-licensed family practitioners, primary care physicians, internists and pediatricians. When members request a consult, they will be connected with a doctor licensed and practicing in their state.

What Type Of Doctor Or Specialist Can I Speak With?

Members Can Talk To A Doctor Directly. Our Doctors Are Licensed In Internal Medicine, Family Medicine And Pediatrics. A Doctor May Also Provide Guidance On The Type Of Specialist A Member Should See.

Can GoLiveDoc prescribe medications?

Yes, GoLiveDoc can prescribe medication for non-controlled substances. A list of controlled substances can be found here.

Are there Medications GoLiveDoc Cannot Prescribe?

We do not prescribe controlled substances and medications that would require in-person examinations, e.g. Antidepressants, birth control, medical marijuana, stimulants such as Adderall and Ritalin, narcotics or sedatives. Our Counselors cannot prescribe medications for mental health purposes.

Does GoLiveDoc Offer Access To Mental Health Professionals?

All Membership Plans Include 24/7 Behavioral And Mental Health Counseling. All Of Our Counselors Have A Master’s Degree And At Least 12 Years Of Experience.

Is there an extra fee to access mental health professionals?

There is no additional fee to speak with mental health professionals.

How does GoLiveDoc handle bloodwork, imaging, labs and other tests?

You can upload all bloodwork, imaging, labs and other tests to our secured portal for our doctors to view to help with diagnosing and treating your medical conditions.

Is My Electronic Health Record Kept Private?

Health Records Are Kept Private And Secure In Order To Protect Members’ Personal Information. Only Members Can Determine Who Can See The Information In Their Records.